ULIP Returns in 25 Years

A 25-year ULIP (Unit Linked Insurance Plan) emerges as an attractive investment option, offering a unique blend of life insurance protection and the potential for substantial market-linked returns.

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Top ULIP Funds
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
1,772 Cr
Returns
23.15%
Returns
27.3%
Highest Returns
Returns
19.47%
Get Details
2,984 Cr
Returns
21.78%
Returns
23.76%
Highest Returns
Returns
17.76%
Get Details
2,475 Cr
Returns
18.83%
Returns
19.17%
Highest Returns
Returns
16.34%
Get Details
1,271 Cr
Returns
15.16%
Returns
18.29%
Highest Returns
Returns
15.89%
Get Details
980 Cr
Returns
17.85%
Returns
18.97%
Highest Returns
Returns
15.65%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
11,839 Cr
Returns
21.83%
Returns
23.81%
Highest Returns
Returns
19.95%
Get Details
6,136 Cr
Returns
26.84%
Returns
27.87%
Highest Returns
Returns
18.81%
Get Details
4,172 Cr
Returns
21.74%
Highest Returns
Returns
20%
Returns
17.43%
Get Details
1,435 Cr
Returns
27.49%
Highest Returns
Returns
24.32%
Returns
16.84%
Get Details
36,694 Cr
Returns
19.19%
Returns
19.75%
Highest Returns
Returns
16%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
247 Cr
Returns
11.88%
Returns
13.92%
Highest Returns
Returns
11.99%
Get Details
352 Cr
Returns
12.26%
Returns
12.56%
Highest Returns
Returns
11.38%
Get Details
526 Cr
Returns
9.79%
Returns
10.72%
Highest Returns
Returns
10.34%
Get Details
837 Cr
Returns
11.67%
Returns
11.81%
Highest Returns
Returns
10.23%
Get Details
22 Cr
Returns
12.6%
Highest Returns
Returns
11.89%
Returns
10.17%
Get Details
Fund Name
AUM
Returns (in %)
3 Year
5 Year
10 Year
494 Cr
Returns
16.43%
Returns
17.28%
Highest Returns
Returns
15.3%
Get Details
242 Cr
Returns
6.94%
Returns
7.91%
Returns
8.81%
Highest Returns
Get Details
786 Cr
Returns
5.4%
Returns
6.88%
Returns
8.1%
Highest Returns
Get Details
302 Cr
Returns
5.86%
Returns
6.8%
Returns
7.79%
Highest Returns
Get Details
465 Cr
Returns
5.1%
Returns
6.93%
Returns
7.78%
Highest Returns
Get Details

Top ULIP Funds

ULIP Plans Fund Size  NAV Returns
TATA AIA Top 200 Fund 1,259 Cr ₹130.92 20.25%
TATA AIA Whole Life Mid Cap Equity Fund 10,158 Cr ₹112.98 21.46%
ICICI Pru Multi Cap Balanced Fund 2,037 Cr ₹34.46 10.59%
HDFC Life Opportunities Fund 31,393 Cr ₹57.85 18.59%

What is the 25 Years ULIP Policy?

The 25 Years ULIP Policy is a financial product offered by insurance companies to address the dual needs of insurance and investment over a quarter-century (25 years). Under this policy, policyholders make regular premium payments, with the premium being divided into two key components. 

The policyholder pays regular premiums, which are split into two parts: one part goes towards providing life insurance coverage, and the other part is invested in market-linked funds of the policyholder's choice.

This policy is particularly well-suited for individuals with extended financial horizons, as it provides a comprehensive solution for both protection and wealth creation over a 25-year period. With the flexibility to adjust fund allocations and the potential for long-term growth, the 25 Years ULIP Policy serves as a holistic approach to financial planning. 

How Does 25 Years ULIP Policy Work?

Vidur, a 35-year-old, invested in a 25-year ULIP with a Rs. 1 crore sum assured for retirement. He added a Waiver of Premium rider. At 48, a fatal accident occurred, and Vidur’s wife received the sum assured, settling debts. The unique feature of waiving future premiums kept the policy active. After 25 years, she received the maturity amount, ensuring financial independence. This showcases how a straightforward ULIP plan can offer both protection and long-term investment benefits.

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Why Should You Choose a 25-Year ULIP Policy?

Here's why you should opt for 25 year ULIP Policy:

  • Market-Linked Returns: Enjoy the potential for higher returns through dynamic debt and equity investments, outperforming traditional savings plans.

  • Flexibility: Adapt to market conditions with the flexibility to choose and switch investment avenues. Partial withdrawals are available during financial emergencies.

  • Tax Benefits: Classified under the EEE category, ULIPs offer tax exemptions and deductions under Sections 80C and 10(10D). Premiums qualify for deductions, and proceeds are tax-exempt, making it a tax-efficient investment.

  • Life Coverage: Ensure financial security for your loved ones with life coverage, providing stability in challenging times.

  • Long-Term Investment: Capitalize on the benefits of long-term investment by staying committed for 25 years. This duration allows strategic planning and potential compounding returns.

How are Return Rates Calculated on 25 Years ULIP Policy?

The performance of a 25-year ULIP policy is influenced by several factors, such as the policyholder's age, chosen sum assured, premium amount, and selected investment funds. The premium is allocated between life cover and investments, and returns are based on the market-linked funds' performance. This policy functions as a means for accumulating wealth over the long term while providing life coverage. Prior to selecting a plan, it is essential to evaluate risk tolerance and financial goals. Regularly reviewing policy terms is advisable, and exploring the option of enhancing coverage with riders can provide additional protection.

FAQ's

  • What is the average return on ULIP?

    The average return on ULIP can vary depending on the specific plan and the market conditions. However, historically, ULIPs have provided average returns of around 10-12% per annum.
  • Is ULIP good for the long term?

    Yes, ULIPs can be a good investment option for long-term investors. This is because they offer the potential for market-linked returns, which can grow significantly over time. Additionally, ULIPs typically have a lock-in period of five years, which encourages investors to stay invested for the long term.
  • Is ULIP guaranteed returns?

    No, ULIPs are not guaranteed returns. This is because they are market-linked investments, and as such, their returns are subject to market fluctuations. However, some ULIPs offer minimum guaranteed returns, which provide a safety net for investors.
  • Can ULIPs give higher returns?

    Yes, ULIPs can potentially give higher returns than traditional insurance plans. This is because they are invested in market-linked funds, which have the potential for higher returns than fixed-income investments. However, it is important to note that higher returns come with higher risk.

*All savings are provided by the insurer as per the IRDAI approved insurance plan.
*Tax benefit is subject to changes in tax laws. Standard T&C Apply
^The tax benefits under Section 80C allow a deduction of up to ₹1.5 lakhs from the taxable income per year and 10(10D) tax benefits are for investments made up to ₹2.5 Lakhs/ year for policies bought after 1 Feb 2021. Tax benefits and savings are subject to changes in tax laws.
+Returns Since Inception of LIC Growth Fund
~Source - Google Review Rating available on:- http://bit.ly/3J20bXZ
^^The information relating to mutual funds presented in this article is for educational purpose only and is not meant for sale. Investment is subject to market risks and the risk is borne by the investor. Please consult your financial advisor before planning your investments.

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